Privacy Policy

This privacy policy is for this website and any services provided through the ordinary course of business. Our website is www.anchorwatch.com (“The Website”) and is owned and operated by Anchorwatch, Inc. (“The Company”). This Privacy Policy covers how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws, rules or regulations. 

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1. Categories of Personal Data We Collect from You

In the course of providing and enhancing our offerings, we collect several categories of Personal Data. We collect your account information. Such data includes, but is not limited to, profile or contact details including names, electronic mail addresses, telephonic contact numbers, and residential addresses. Additionally, unique identifiers such as account usernames and passwords are collected as part of our operational data collection protocol.

For the purposes of fulfilling legal and regulatory requirements, including but not limited to Know Your Customer (KYC) obligations, further data may be requisite. This includes, inter alia, government-issued identification numbers (for instance, Social Security numbers or passport numbers), dates of birth, and, in certain contexts, financial details such as banking account information. The collection of these particulars facilitates the verification of user identity, ensures adherence to statutory mandates, and aids in the prevention of fraudulent activities. Documents to substantiate identity and residence, such as government-issued identification, utility bills, or financial statements, may also be solicited.

We collect transaction data, including the type of payment card, the terminal digits of credit or debit cards, or bank transfer details, alongside billing addresses and electronic mail correspondences,which is to be shared with designated payment processing entities.

Moreover, we may collect commercial data reflecting purchase histories and consumer profiles. Such data might be provided to third party service providers and analytics partners.

We collect data pertaining to devices and internet protocol (IP) addresses, which includes the email domain, the genre of device, and the software environment utilized to access our service. This category of data may be shared with service providers and analytics partners.

Web analytics data, capturing interactions with web pages and the sources through which the services were accessed, including non-identifiable request identifiers and statistical data related to device or browser interactions with the services, may be collected and distributed to service providers, advertising partners, and analytics partners, subject in the case of advertising partners to your consent.

Geolocation data, inferred from IP addresses, is shared with service providers and analytics partners.

Sensory data, images, video footage, or recordings of individuals or their surroundings, is collected solely upon provision by the individuals in the context of specific services and may be shared with third party service providers.

Inferences drawn from the aggregate of personal data collected, reflecting user attributes, behaviors, and preferences, may be shared with service providers and analytics partners.

Lastly, any additional identifying information voluntarily offered by individuals, including but not limited to communications via emails or letters, may be collected and shared with service providers.

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2. Other Sources of Personal Data

Personal Data about you is collected from a variety of sources. This collection primarily occurs directly from you when you engage with our services, such as creating an account, using our interactive tools, or providing information through free-form text boxes, surveys, questionnaires, or direct communication methods like email. Additionally, as you navigate through the Services, data collection occurs automatically, which includes the use of Cookies as outlined in the "Tracking Tools and Opt-Out" section. Information about your location and mobile device may be collected if you use a location-enabled browser or download our mobile application. Moreover, the installation of certain applications and software we provide can result in the collection of data transmitted from your computing device to facilitate the provision of relevant services, including log-on times and availability for updates or alert notices.

Beyond direct interactions, third parties also contribute to our data collection processes. Vendors, for instance, play a crucial role by analyzing engagement with the Services or assisting in customer support. They may also gather information to generate leads and create user profiles. Advertising partners are another source of data, providing insights based on your interactions with our websites, applications, products, services, advertisements, or communications, provided that you have the opportunity to withhold consent of the sharing of your Personal Data with our advertising partners or for advertising purposes.

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3. Reasons for Personal Data Collection

The collection of Personal Data supports operational, marketing, and legal compliance objectives. This encompasses managing user accounts, processing transactions, providing requested services, and enhancing user experience through service improvements and personalization. Additionally, subject to your consent, we may process and share Personal Data for marketing efforts aimed to effectively communicate and sell the Services.

Legal and regulatory obligations mandate the collection of Personal Data for purposes including but not limited to, security incident prevention, legal compliance, rights protection, agreement enforcement, and dispute resolution. Compliance with Know Your Customer (KYC) requirements necessitates verifying user identities and preventing fraud, aligning with legal standards.

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4. How We Share Your Personal Data

We may disclose your Personal Data to the categories of service providers and other parties listed in this section. Depending on state laws that may be applicable to you, some of these disclosures may constitute a “sale” of your Personal Data. For more information, please refer to the state-specific sections below.
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Service Providers. These parties help us provide the Services or perform business functions on our behalf. They include:

• - Hosting, technology and communication providers.
• - Perform any KYC verification processes.
• - Support and customer service vendors.
• - Payment processors: Our payment processing partners collect your voluntarily-provided payment card information as necessary to process your payment. Please see their respective terms of service and Privacy Policy for information on their use and storage of your Personal Data.

Advertising Partners. Sharing of Personal Data with our Advertising Partners is subject to your opt-in consent. These parties help us market our services and provide you with other offers that may be of interest to you. They include:

• - Ad networks.
• - Marketing providers.

Analytics Partners. These parties provide analytics on web traffic or usage of the Services. They include:

• - Companies that track how users found or were referred to the Services.
  
• - Companies that track how users interact with the Services.

Business Partners. These parties partner with us in offering various services. They include:

• - Businesses that you have a relationship with and choose to connect with the Company.
• - Companies that we partner with to offer joint promotional offers or opportunities.

Parties You Authorize, Access, or Authenticate.

• - Third parties you access through the services.

Legal Obligations. We may share any Personal Data that we collect with third parties for the purposes of security incident prevention, legal compliance, KYC verification processes, rights protection, agreement enforcement, and dispute resolution.‍

Business Transfers. All of your Personal Data that we collect may be transferred to a third party if we undergo a merger, acquisition, bankruptcy or other transaction in which that third party assumes control of our business (in whole or in part). Should one of these events occur, we will make reasonable efforts to notify you before your information becomes subject to different privacy and security policies and practices.

‍Data that is Not Personal Data. We may create aggregated, de-identified or anonymized data from the Personal Data we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you.

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5. Tracking Tools and Opt-Out

The Services use cookies and similar technologies such as pixel tags, web beacons, clear GIFs and JavaScript (collectively, “Cookies”) to enable our servers to recognize your web browser, tell us how and when you visit and use our Services, analyze trends, learn about our user base and operate and improve our Services. Cookies are small pieces of data – usually text files – placed on your computer, tablet, phone or similar device when you use that device to access our Services. We may also supplement the information we collect from you with information received from third parties, including third parties that have placed their own Cookies on your device(s). Please note that because of our use of Cookies, the Services do not support “Do Not Track” requests sent from a browser at this time.

• We use the following types of Cookies:
  • - Essential Cookies. Essential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of our Services. Disabling these Cookies may make certain features and services unavailable.
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  • - Functional Cookies. Functional Cookies are used to record your choices and settings regarding our Services, maintain your preferences over time and recognize you when you return to our Services. These Cookies help us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
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  • - Performance/Analytical Cookies. Performance/Analytical Cookies allow us to understand how visitors use our Services. They do this by collecting information about the number of visitors to the Services, what pages visitors view on our Services and how long visitors are viewing pages on the Services. Performance/Analytical Cookies also help us measure the performance of our advertising campaigns in order to help us improve our campaigns and the Services’ content for those who engage with our advertising.
• You can decide whether or not to accept Cookies through your internet browser’s settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allow you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit our website and some of the Services and functionalities may not work.
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• To explore what Cookie settings are available to you, look in the “preferences” or “options” section of your browser’s menu. To find out more information about Cookies, including information about how to manage and delete Cookies, please visit http://www.allaboutcookies.org/ or https://ico.org.uk/for-the-public/online/cookies/ if you are located in the European Union. 
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6. Data Security and Retention

We seek to protect your Personal Data from unauthorized access, use and disclosure using appropriate physical, technical, organizational and administrative security measures based on the type of Personal Data and how we are processing that data. You should also help protect your data by appropriately selecting and protecting your password and/or other sign-on mechanism such as Signing Devices (as defined in the Terms of Service) and Private Keys (as defined in the Terms of Service; limiting access to your computer or device and browser; and signing off after you have finished accessing your account. Any Private Keys associated with the Services and Insurance Contract are never to be typed into a computer, or stored as a digital representation, such as a photograph, for any reason under any circumstances. Although we work to protect the security of your account and other data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.

We retain Personal Data about you for as long as you have an open account with us or as otherwise necessary to provide you with our Services. In some cases we retain Personal Data for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally. 

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7. Personal Data of Children

As noted in the Terms of Service, we do not knowingly collect or solicit Personal Data from children under 18 years of age; if you are a child under the age of 18, please do not attempt to register for or otherwise use the Services or send us any Personal Data. If we learn we have collected Personal Data from a child under 18 years of age, we will delete that information as quickly as possible. If you believe that a child under 18 years of age may have provided Personal Data to us, please contact us at hello@anchorwatch.com.

Please note that certain of the Services may require you to provide information regarding the child or children in relation to whom you may be using the Services, including Personal Information such as first and last name (among other information), in order to properly provide such Services to you. As noted above, we work to protect the security of any such information that you provide us, but please be aware that no method of transmitting data over the internet or storing data is completely secure. If you’d like to request that we delete any such information, please contact us at hello@anchorwatch.com.

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8. California Resident Rights

Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at hello@anchorwatch.com.

9. European Union and United Kingdom Data Subject Rights

If you are a resident of the European Union (“EU”), United Kingdom (“UK”), Lichtenstein, Norway or Iceland, you may have additional rights under the EU or UK General Data Protection Regulation (the “GDPR”) with respect to your Personal Data, as outlined below.  

For this section, we use the terms “Personal Data” and “processing” as they are defined in the GDPR, but “Personal Data” generally means information that can be used to individually identify a person, and “processing” generally covers actions that can be performed in connection with data such as collection, use, storage and disclosure. Services will be the controller of your Personal Data processed in connection with the Services.

If there are any conflicts between this section and any other provision of this Privacy and Data Protection Policy, the policy or portion that is more protective of Personal Data shall control to the extent of such conflict. If you have any questions about this section or whether any of the following applies to you, please contact us at hello@anchorwatch.com.

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Personal Data We Collect

The “Categories of Personal Data We Collect” section above details the Personal Data that we collect from you.

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Personal Data Use and Processing Grounds

The “Reasons for Personal Data Collection” section above explains how we use your Personal Data.

We will only process your Personal Data if we have a lawful basis for doing so. Lawful bases for processing include consent, contractual necessity and our “legitimate business interests,” as further described below.

• - Contractual Necessity:  We process the following categories of Personal Data as a matter of “contractual necessity”, meaning that we need to process the data to perform under our Terms of Service with you, which enables us to provide you with the Services. When we process data due to contractual necessity, failure to provide such Personal Data will result in your inability to use some or all portions of the Services that require such data.
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  • - Profile or Contact Data
  • - Identifiers, including identification data needed for KYC verification processes
  • - Sensory Data
  • - Payment Data
  • - Other Identifying Information that You Voluntarily Choose to Provide

• Legitimate Business Interest:  We process the following categories of Personal Data when we believe it furthers our legitimate business interest and those interests do not outweigh your interests and fundamental rights and freedoms:
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  • - Commercial Data
  • - Device/IP Data
  • - Web Analytics
  • - Geolocation Data
  • - Inferences Drawn From Other Personal Data Collected
  • - Other Identifying Information that You Voluntarily Choose to Provide
  • - We may also de-identify or anonymize Personal Data to further our legitimate interests.
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  • Consent:  In some cases, we process Personal Data based on the consent you expressly grant to us at the time we collect such data. When we process Personal Data based on your consent, it will be expressly indicated to you at the point and time of collection.
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  • Other Processing Grounds:  From time to time we may also need to process Personal Data to comply with a legal obligation, if it is necessary to protect the vital interests of you or other data subjects, or if it is necessary for a task carried out in the public interest.
• Sharing Personal Data
• The “How We Share Your Personal Data” section above details how we share your Personal Data with third parties.
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• EU Data Subject Rights
• You have certain rights with respect to your Personal Data, including those set forth below. For more information about these rights, or to submit a request, please email us at hello@anchorwatch.com. Please note that in some circumstances, we may not be able to fully comply with your request, such as if it is frivolous or extremely impractical, if it jeopardizes the rights of others, or if it is not required by law, but in those circumstances, we will still respond to notify you of such a decision. In some cases, we may also need you to provide us with additional information, which may include Personal Data, if necessary to verify your identity and the nature of your request.

• Access: You can request more information about the Personal Data we hold about you and request a copy of such Personal Data. You can also access certain of your Personal Data by logging on to your account.
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• Rectification: If you believe that any Personal Data we are holding about you is incorrect or incomplete, you can request that we correct or supplement such data. You can also correct some of this information directly by logging on to your account.
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• Erasure: You can request that we erase some or all of your Personal Data from our systems.
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• Withdrawal of Consent: If we are processing your Personal Data based on your consent (as indicated at the time of collection of such data), you have the right to withdraw your consent at any time. Please note, however, that if you exercise this right, you may have to then provide express consent on a case-by-case basis for the use or disclosure of certain of your Personal Data, if such use or disclosure is necessary to enable you to utilize some or all of our Services.
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• Portability: You can ask for a copy of your Personal Data in a machine-readable format. You can also request that we transmit the data to another controller where technically feasible.
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• Objection: You can contact us to let us know that you object to the further use or disclosure of your Personal Data for certain purposes, such as for direct marketing purposes.
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• Restriction of Processing: You can ask us to restrict further processing of your Personal Data.
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• Right to File Complaint: You have the right to lodge a complaint about Services' practices with respect to your Personal Data with the supervisory authority of your country or EU Member State. A list of Supervisory Authorities is available here: https://edpb.europa.eu/about-edpb/board/members_en.

10. Transfers of Personal Data

The Services are hosted and operated in the United States (“U.S.”) and elsewhere throughout the world through the Company and its service providers, where the laws may differ from the laws where you reside. By using the Services, you acknowledge that any Personal Data about you, regardless of whether provided by you or obtained from a third party, is being provided to the Company and will be hosted on U.S. servers and elsewhere throughout the world, and you authorize the Company to transfer, store and process your information to and in the U.S. and elsewhere throughout the world as necessary to perform our duties in providing you with the Services. Additionally, you understand that your Personal Data may be processed in countries (including the United States) where laws regarding processing Personal Information may be less stringent than in your country. Please contact us at hello@anchorwatch.com with any questions or concerns.

11. Changes to this Privacy and Data Protection Policy

We may need to change this Privacy Policy from time to time, but we will alert you to any material changes by placing a notice on the Services website, by sending you an email and/or by some other means. Please note that if you’ve opted not to receive legal notice emails from us (or you haven’t provided us with your email address), those legal notices will still govern your use of the Services, and you are still responsible for reading and understanding them. If you use the Services after any changes to the Privacy Policy have been posted, that means you agree to all of the changes. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

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Contact Information

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your Personal Data or your choices and rights regarding such collection and use, please do not hesitate to contact us at: hello@anchorwatch.com